The total amount of beneficiaries receiving Montana Medicare Part D is 151,555. Of this number, 116,351 remain enrolled in a standalone Part D plan, while 41,046 residents remain enrolled in a Medicare Advantage Prescription Drug (MAPD) plan.
Medicare Part D plans in Montana
Part D plans exist in one of four subsections of Medicare. This Montana Medicare Part D plans cover prescriptions residents pick up at their pharmacies.
This guide will cover different Part D plans in which Montana residents may choose to enroll.
Part D plans with the lowest premium
While the lowest monthly premium shouldn’t be the only factor to consider, many Montana residents pick plans based on the lowest premium. The first plan we’ll investigate is Aetna, which carries a low monthly premium of $6.80. This three-star rated plan features a deductible of $480.
Humana features a much higher monthly premium of $22.70 alongside its $480 deductible. This plan also features a four-star rating, designating excellent coverage. However, while its premiums remain larger, most generic prescriptions cost four dollars or less using Humana.
Lastly, some residents choose . offers two distinctive differences from the other plans on this chart. First, while its premiums are the highest at $29.30, it has the lowest deductible of $310 and provides gap coverage.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Aetna | $6.80 | $480 | 3 | No |
| Wellcare | $10.60 | $480 | 3 | No |
| Clear Spring | $16.60 | $480 | 2 | No |
| Humana | $22.70 | $480 | 4 | No |
| $29.30 | $310 | 4 | Yes |
Part D plans with a zero-dollar deductible
Montana, Medicare Part D plans also include plans with a zero-dollar deductible. Although these plans carry higher premiums, you pay less when receiving coverage. Wellcare is the least expensive, with a monthly premium of $68.90.
Residents may also choose Aetna, which, unlike Wellcare, provides gap coverage. This plan features a monthly premium of $79.90. This plan also has a three-star rating, like most plans on this list.
MedicareBlue Rx is the final plan in the chart below. Although this plan has the highest premium of $116.10, it also has a four-star rating. With its four-star rating, which includes gap coverage, this plan strikes satisfaction for many Montana residents.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Wellcare | $68.90 | $0 | 3 | No |
| Aetna | $79.90 | $0 | 3 | Yes |
| $97.00 | $0 | 3 | Yes | |
| MedicareBlue Rx | $116.10 | $0 | 4 | Yes |
Part D plans with gap coverage
Many Montana residents prefer Part D plans with gap coverage. is a four-star plan with a monthly premium of $29.30, alongside a $310 deductible. This plan covers medications and vaccines not covered by Part B Medicare.
Cigna has a higher monthly premium of $52 but a $100 deductible. This three-star rated plan is a top choice for many residents. Using this plan, expect to buy generic prescriptions for four to ten dollars.
By choosing Aetna, expect to pay monthly premiums of $79.90. While premiums are higher, this plan also features a zero-dollar deductible. This plan also provides a three-star rating.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| $29.30 | $310 | 4 | Yes | |
| Cigna | $52.00 | $100 | 3 | Yes |
| Aetna | $79.90 | $0 | 3 | Yes |
| $97.00 | $0 | 3 | Yes | |
| MedicareBlue Rx | $116.10 | $0 | 4 | Yes |
Part D plans with a Low-income Subsidy
For Montana residents falling under a certain income threshold, additional help is available. In Montana, 30,731 beneficiaries remain eligible for a low-income subsidy Montana Medicare Part D plan.
Wellcare carries a monthly premium of $32.90 with a $480 deductible. This plan also features a three-star rating. Using this plan, expect most of your generic prescriptions to cost zero to four dollars.
Aetna is another popular choice. Residents using this low-income subsidy Part D plan pay a monthly premium of $34.80. Like the other plans on this chart, expect a deductible of $480.
The final plan we’ll explore is Cigna. Cigna features a monthly premium of $39.10 with a $480 deductible. This three-star rated plan dramatically reduces the cost of generic prescriptions.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Clear Spring | $29.30 | $480 | 2 | No |
| Wellcare | $32.90 | $480 | 3 | No |
| Aetna | $34.80 | $480 | 3 | No |
| $36.20 | $480 | 4 | No | |
| Cigna | $39.10 | $480 | 3 | No |
Amount of Beneficiaries Falling Into Each Part D Coverage Phase in Montana
Part D plans come in different coverage phases, where costs go up or down. Then, during the donut hole phase, a plan reaches the limit of what it covers for your prescriptions. The numbers in the chart below contain the beneficiaries in each stage.
| Deductible Phase | Initial Coverage Phase | Coverage Gap Phase | Catastrophic Phase |
| 61,597 | 53,373 | 15,423 | 10,947 |
Estimated Medicare Part D premiums for Montana cities
Estimated premiums for different Medicare Part D prescription drug plans for the cities listed below can be accessed via the accompanying charts linked below:
FAQs
What is required for Part D in Montana?
To be eligible for a Montana Medicare Part D plan, a resident must already have enrolled in Part A and Part B Medicare. Residents in Medicaid typically enroll in a Part D plan automatically and don’t need to pay premiums.
What does Part D include in Montana?
A Part D plan in Montana helps cover prescription drugs not provided by Original Medicare, a Medicare Advantage plan, or a Medigap plan.
While all plans must cover certain medications (such as treatment for cancer or HIV), the medicines covered may vary with each program.
What happens if I don’t have Medicare Part D in Montana?
Many residents elect not to enroll in a Part D plan in Montana because they’re currently not taking any medications.
However, patients must pay higher out-of-pocket expenses if they need drugs and don’t have a Part D plan. Additionally, Part D plans carry late enrollment fees.
What drugs are not covered by Medicare Part D in Montana?
Some drugs remain excluded from coverage by law. Examples include drugs treating anorexia or weight gain for fertility, cosmetic purposes like hair growth, medications that treat erectile dysfunction, and over-the-counter medications.
How are Part D premiums determined in Montana?
Your income level determines your Part D premium in Montana. Along with four income brackets chosen by the Social Security Administration, additional premium charges may apply to higher incomes.
For individuals under $91,000 ($182,000 for couples), additional premiums don’t apply.
How to get help signing up for a Medicare Part D plan in Montana
No Medigap plans cover prescriptions, and only some Medicare Advantage plans do. Montana residents sign up for standalone Part D plans to prevent massive out-of-pocket expenses when buying medications. However, finding the right plan remains a challenge for many.
Our team helps pair residents with the right Part D plan that fits their medical needs and budget. We work with all carriers and offer our service free of charge.
So, call us today or fill out our online rate form to receive rates in your area of Montana.
